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cash-out refinance lenders · HMDA 2023–2025

Cash-out refinance lenders in Ocean County, New Jersey

Fat Boy Data analyzed cash-out refinance activity in Ocean County, New Jersey to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 8,772 applications were decided by 267 lenders between 2023 and 2025.

Ocean County at a glance

267Active lenders59 with 20+ decisions
72.2%Market approval rate6,333 of 8,772 decided
$215KTypical loanmedian lender, $10K brackets
95%Borrower take-up6,039 loans funded

How Ocean County compares

Approval rate compared
Ocean County72.2%New Jersey67.6%All 616 counties68.2%
Typical loan compared
Ocean County$215KNew Jersey$205KAll 616 counties$155K

What the data shows

Rocket Mortgage, LLC made the most cash-out refinances in Ocean County, NJ, 1,839 of them.

That is 30% of every cash-out refinance originated here, so this market is unusually concentrated in one lender.

Paramount Residential Mortgage Group, Inc. approved the highest share of applications among lenders with at least 20 decisions here, 100% of 46.

Approval rate of all 59 lenders with 20+ decisions here
0%25%50%75%100%Mortgage Research Center, LLC: 22% approved of 81Network Capital Funding Corporation: 29% approved of 59Amerisave Mortgage Corporation: 32% approved of 614American Financing Corporation: 33% approved of 46Spring Eq, LLC: 41% approved of 61New Day Financial, LLC: 43% approved of 119New American Funding, LLC: 43% approved of 98Lakeview Loan Servicing, LLC: 45% approved of 111Carrington Mortgage Services, LLC: 49% approved of 156First Financial Federal Credit Union: 52% approved of 80Newrez LLC: 53% approved of 426Citizens Bank, National Association: 55% approved of 20PNC Bank, National Association: 57% approved of 30Provident Bank: 57% approved of 47Mutual of Omaha Mortgage, Inc.: 61% approved of 102Police & Fire Federal Credit Union: 64% approved of 152TD Bank, National Association: 64% approved of 25Wells Fargo Bank, National Association: 64% approved of 178Lower, LLC: 65% approved of 31Village Capital & Investment LLC: 65% approved of 54Navy Federal Credit Union: 66% approved of 73Quorum Federal Credit Union: 66% approved of 56Affinity: 68% approved of 53Sofi Bank, N.A.tional Association: 68% approved of 22GoodLeap, LLC: 70% approved of 33Valley National Bank: 70% approved of 27Amerihome Mortgage Company, LLC: 70% approved of 27Flagstar Bank, National Association: 73% approved of 106Loandepot.Com, LLC: 73% approved of 315Pennymac Loan Services, LLC: 75% approved of 322Freedom Mortgage Corporation: 75% approved of 239United Wholesale Mortgage, LLC: 76% approved of 514Manufacturers and Traders Trust Company: 77% approved of 26Advantagefirst Lending Inc.: 77% approved of 31The Federal Savings Bank: 78% approved of 72Bank of America, National Association: 80% approved of 20Nations Lending Corporation: 81% approved of 21JPMorgan Chase Bank, National Association: 81% approved of 75A&D Mortgage LLC: 83% approved of 30Nj Lenders Corp.: 85% approved of 40Plaza Home Mortgage, Inc.: 85% approved of 34Rocket Mortgage, LLC: 85% approved of 2,211American Financial Network, Inc.: 86% approved of 22Equity Prime Mortgage LLC: 87% approved of 55Amwest Funding Corp.: 89% approved of 35Nationstar Mortgage LLC: 89% approved of 196Cmg Mortgage, Inc.: 89% approved of 57Onity Mortgage Corporation: 90% approved of 30Guaranteed Rate, Inc.: 92% approved of 62OceanFirst Bank, National Association: 93% approved of 27Crosscountry Mortgage, LLC: 94% approved of 107Greenway Mortgage Funding Corp.: 95% approved of 21Ark Mortgage, Inc.: 97% approved of 65Coastal Community Bank: 97% approved of 38Advisors Mortgage Group, L.L.C.: 98% approved of 81American Neighborhood Mortgage Acceptance Company LLC: 98% approved of 122Paramount Residential Mortgage Group, Inc.: 100% approved of 46Reliance First Capital, LLC: 100% approved of 42Movement Mortgage, LLC: 100% approved of 22

Each dot is one lender, placed at its approval rate. Hover for the name and sample size.

Cash-out refinance lenders in Ocean County

LenderApprovalApprovedTaken upTypical loanLoans made
1Rocket Mortgage, LLC85%1,888 / 2,21197%$145K1,839
2Amerisave Mortgage Corporation32%198 / 61496%$95K191
3United Wholesale Mortgage, LLCBroker only76%389 / 51497%$265K378
4Newrez LLC53%227 / 42697%$125K221
5Pennymac Loan Services, LLC75%241 / 32297%$255K233

Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.

Fat Boy found 262 more lenders.

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Other lending data for Ocean County

Mortgage lenders in Ocean CountyHome improvement loans in Ocean CountyRefinance in Ocean CountyInvestment property purchase in Ocean CountyInvestment cash-out refinance in Ocean CountyInvestment refinance in Ocean CountyInvestment home improvement in Ocean County

Nearby markets

All lending in Ocean CountyCounty overviewCash-out refinance across New JerseyStatewideAtlantic CountyNearby countyBurlington CountyNearby countyMonmouth CountyNearby county